Chip credit cards—also known as EMV, for Europay, MasterCard and Visa—have recently become the standard in the U.S. Just about every credit and debit card now comes with a chip, which improves security.
However, U.S. cards typically use chip-and-signature technology, not chip-and-PIN. Chip-and-PIN is the standard in most of the rest of the world. Having a card with chip-and-PIN technology can make traveling abroad much easier. So what’s the difference and where can you get one?
Chip-and-PIN vs. Chip-and-Signature
Chip-and-PIN cards differ from the more common chip-and-signature cards embedded with a chip. Purchases made with chip-and-PIN cards are verified by entering a PIN (personal identification number) instead of signing a receipt.
Unfortunately, chip-and-PIN cards are hard to get in the U.S. Your options are limited. The good news is that for most purchases, either type will do. The last time I was traveling across Europe, I needed a chip-and-PIN card only once to pay in an unmanned parking garage.
Since you’ll be able to use a chip-and-signature card 99% of the time, you have to wonder if it’s worth giving up the better benefits and rewards available with those cards just for the extremely rare circumstance when you might need a chip-and-PIN card.
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Having a chip-and-PIN card is definitely not critical, but it might make your life easier when you travel. Even though the PIN version of chip cards hasn’t gone mainstream in the U.S., you do have a few options if you want to get one.
It’s important to remember that while plenty of U.S. banks issue chip-and-signature cards, very few issue chip-and-PIN cards. Among those that do, some impose foreign transaction charges so they would not be useful overseas. And some have annual fees.
We’ve put together a list of cards that do not have annual fees and either have very low foreign transaction charges or none at all. Some of them do require joining a credit union.
Best Chip-and-Signature Travel Cards
Before we get into your options for chip-and-PIN cards, let’s take a look at a great travel card with chip-and-signature technology. This card will be good for 99% of your purchases, and it has better rewards than any chip-and-PIN card available in the U.S.
Capital One® Venture® Rewards Credit Card
- Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
- Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
- Named ‘The Best Travel Card' by CNBC, 2018
- Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- No foreign transaction fees
- $0 intro annual fee for the first year; $95 after that
The Capital One Venture card is great because it earns miles fast and the rewards are very easy to use. You’ll get a 50,000-mile bonus worth $500 and earn 2% back on every purchase.
Venture miles are excellent for anyone who often flies in economy and has limited flexibility with travel dates. That’s because you can redeem miles for travel purchased from anywhere. There are no blackout dates or restrictions.
You don’t have to hunt down award seats or book with a specific airline or through a reward program’s webpage. Given how award availability has become more and more limited with every frequent flyer program, this is a very valuable benefit. That’s why I’ve been telling every traveler to get this card.
Citi Premier℠ Card
- + Earn 3 points on Travel, Including Gas Stations
- + Earn 2 points on Dining Out & Entertainment
- + Earn 1 points on All Other Purchases
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- No Foreign Transaction Fee
- + Points Transfer allows you to transfer points to participating airline loyalty programs
American Express Gold Card
- + Earn 4X Membership Rewards® points at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
- + Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
- Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, participating Shake Shacks, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
- $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline. Choose to carry a balance with interest on eligible charges of $100 or more.
- No Foreign Transaction Fee
- + Terms Apply
Capital One® Quicksilver® Cash Rewards Credit Card
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
Citi® Double Cash Card – 18 month BT offer
- Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% – 25.99% based on your creditworthiness.
- Balance Transfers do not earn cash back
- 3% foreign transaction fee
- + Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
Discover it® Cash Back
- + cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- + Plus, earn unlimited 1% cash back on all other purchases - automatically.
- + Redeem cash back any amount, any time. Rewards never expire.
- + Use your rewards at Amazon.com checkout.
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- No annual fee.
Chip-and-PIN Cards With No Foreign Transaction Charges and No Strings Attached
The following are the only fee free chip-and-PIN cards that don’t require you belong to a credit union:
- All HSBC MasterCard credit cards, including the Platinum MasterCard and the Platinum MasterCard with Rewards
- BankAmericard Travel Rewards from Bank of America
Chip-and-PIN With No Foreign Transaction Charges and Only a Few Strings Attached
These cards are issued by credit unions, which aren’t generally offered to the general public, but are easy to join:
- Andrews Federal Credit Union: Visa Platinum Rewards
- State Department Federal Credit Union: Visa Platinum
- PenFed Credit Union: PenFed Premium Travel Rewards American Express, PenFed Promise Visa and PenFed Gold Visa
If you join the American Consumer Counsel, which is free, you can get the Andrews FCU Visa Platinum Rewards card and the State Department FCU Visa Platinum card. Andrews FCU also requires you to open a savings account and make a deposit of at least $5.
To qualify for the Penfed cards, you just have to make a small donation to the National Military Family Association or Voices of American Troops.
Chip-and-PIN Cards With a 1% Foreign Transaction Charge
Although the Wings Financial Visa Signature card is issued by a credit union, you do not need to join to get the card.
You’ll have to join the United Nations Association of the United States of America (UNA-USA) to get the UNFCU Visa Azure. The fee for joining varies from free to $1,000.
The only special requirement for getting the Commerce Bank Visa Signature is that you have to apply in person at a Commerce Bank branch.
The USAA World MasterCard is only available to USAA members. So you’ll have to be in the military, a veteran, or an eligible family member.
Chip-and-PIN Debit Cards
Another option for getting a chip-and-PIN card is to open a bank account with a bank offering chip-and-PIN enabled debit cards.
The Charles Schwab Bank Visa Debit Card is one of those cards. There’s no annual fee and no foreign transaction charges. One unique feature of this card is that there are no ATM fees, which comes in handy when you need cash while traveling abroad. You have to call Charles Schwab to open an account to get this debit card.
First Republic’s Visa Debit Card also offers chip-and-PIN. Although there’s no annual fee, they do not list their foreign transaction charges.
Barclays Travel Card: Chip-and-PIN plus Rewards
There’s one chip-and-PIN credit card with an annual fee that’s worth considering: Barclaycard Arrival Plus World Elite MasterCard. It has no foreign transaction fees and comes with a 40,000 mile sign-up bonus. You’ll also earn 2.2 percent cash back, and the $89 annual fee is waived for the first year.
In a few specific circumstances, it can be very convenient to have a chip-and-PIN card when traveling abroad. They’re sometimes required at automatic kiosks—including some toll booths, parking garages and train stations—and by the occasional vendor.
But for 99% of your transaction abroad (and all of them in the U.S.) the standard chip-and-signature card will do just fine. Considering how hard it is to find a chip-and-PIN card in the U.S., you’re going to be better off getting a good chip-and-signature card with better benefits and rewards.